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Health Insurance

HEALTH INSURANCE COVERAGE INFORMATION

Ross Vet requires all students to have health insurance coverage while enrolled at the University. To that end, the University makes a health insurance plan available to its students, their legal spouses, and dependents. Students must either be enrolled in the Ross Vet sponsored medical plan or prove coverage under another plan.

Ross Vet requires all students to have health insurance coverage while enrolled at the University. To that end, the University makes a health insurance plan available to its students, their legal spouses, and dependents. Students must either be enrolled in the Ross Vet sponsored medical plan or prove coverage under another plan.

Our coverage year is from August 25 of the current year to August 24 of the following year. The coverage year is broken into three trimesters for billing. You may find more information on MyRoss Vet Community Portal.

Students are automatically enrolled in health insurance coverage once they are billed for their first semester of tuition and are responsible for those insurance charges unless they provide a valid insurance waiver during the open waiver period (August 15 to October 1). Please be sure to verify your enrollment status at the start of each billing period. This coverage is also automatically applied to students on approved leaves of absence, vacation, and temporary withdrawals. Insurance for all students will continue to be charged until the student officially graduates or is permanently withdrawn from the University. Please note that the completion of the clinical year does not constitute official graduation. Please contact the Office of the Registrar to confirm your official graduation date.

Students attending Ross Vet clinical affiliates must learn about the health insurance requirements at their affiliate. Some affiliates require that you accept their institutional insurance and you may want to request a waiver from the Ross Vet health insurance plan.

INSURANCE RATE & BILLING PERIODS

The insurance rate is $934.38 per semester for the 2021-2022 plan year. Insurance rates include an administration fee.

Insurance is automatically billed to all students at the start of each semester during these billing periods:

  • Billed in July/August: Coverage for August 25 to December 25
  • Billed in November/December: Coverage for December 26 to April 23
  • Billed in March/April: Coverage for April 24 to August 24

Roughly five (5) weeks before the start of these periods you will be billed for your coverage. Insurance charges will appear on your account as a separate item titled “Health Insurance”. Account summaries may be obtained by logging into myROSS. It is the student’s responsibility to make sure this insurance enrollment or waiver information is current.

Please Note:

The coverage period may not coincide with the exact start/end dates for the year at the clinical university. This may result in an additional insurance charge after Semester 10 to ensure you have health insurance coverage until the end of your clinical year. If the end of your clinical year is within 30 days of the start of the coverage period and you have not used the coverage, you may request this charge be waived by e-mailing bursar@rossu.edu. If the coverage was used, you are responsible to pay the charge prior to graduation.

WAIVING COVERAGE

Continuing students (which includes students returning from leave), may waive coverage only once per year during the enrollment period which is from August 15 to October 1. Students who have their own coverage or are covered by a parent or spouse’s insurance plan may waive the RUSVM provided insurance during the open waiver period and must fill out an electronic waiver form by logging onto Aetna Student Health. Once a waiver is applied to a student’s account, the waiver remains in effect until the following August or until a student requests to be reinstated in the University-sponsored insurance plan. There is no need to file additional waivers unless the student changes insurance plans. Waivers will be accepted at the start of the annual coverage period (August 15) up until the waiver deadline (October 1). Waivers received after the deadline cannot be accepted. Incomplete or late waivers received by the Office of Student Finance will not be processed and students will be billed insurance for the remainder of the academic year (August to August)

CLINICAL STUDENTS

Students transitioning from basic sciences to a clinical site in the U.K. for 6 months or more, and have a U.K. Visa, can elect to waive University sponsored health insurance by providing the Office of Student Finance with a copy of their VISA which includes valid dates.  

  • If you are starting your clinicals during the September semester, you have from August 15 to October 1 to request a waiver of the insurance.
  • If you are starting your clinicals during the January semester, you have from December 15 to February 1 to request a waiver of the insurance.
  • If you are starting your clinicals during the May semester, you have from April 15 to June 1 to request a waiver of the insurance.

Any Student whose U.K. Visa expires during a semester will be enrolled in University sponsored Health Insurance at the cost of $934.38 for that semester,  These students will then be given an opportunity to waive this insurance during the next open wavier period.
 

REINSTATEMENT OF COVERAGE

Students who have previously waived the University-sponsored insurance must submit an electronic reinstatement form available by logging into myROSS. You must file reinstatement requests promptly to avoid any gaps or lapses in insurance coverage.

SPOUSE AND DEPENDENT ENROLLMENT

At the beginning of each coverage period, you may elect additional coverage for their legal spouse and/or dependent(s) at your own cost. For this additional coverage, you must fill out the online Enrollment Form available from Aetna Student Health. All premiums for spouse or dependent coverage must be made directly to Aetna Student Health. For further information on spouse and dependent coverage, including application due dates please visit the Aetna Student Health website or call 1-877-381-3551.

HEALTH INSURANCE FEES

Per school policy and federal regulations, Ross Vet must ensure all students have sufficient health insurance coverage. It is your responsibility to notify the University once per academic year using the appropriate waiver process if you choose private coverage. The waiver period begins July 15 and ends October 1. You can find more information at myRoss.

If you reinstate health insurance during a semester or break, you have 30 days from the effective date to make payment in full before a $75 late fee is assessed.

Basic Science Students: Health insurance charges are due no later than the effective date of the charge. The effective date of this charge is the semester start date.

Clinical Science Students: Health insurance charges are due within 30 days of the effective date. The effective date of this charge is the insurance coverage period start date. Health insurance charges are posted on a standard schedule which is usually at a different time than semester charges. Any student on a break of four weeks or more (vacation or temporarily withdrawn students) will automatically be charged for health insurance if they had insurance with the University for the prior coverage period or it is the beginning of a new academic year.

LATE CHECK-IN FEES

Late check-in fees are charged by campus after late check-in has been completed and all student-submitted documentation has been reviewed. A late fee of $75 will be added to late check-in fees that are 30 days or more past due.

HOLDS

Every menu tab in myRoss, except the main menu, will indicate if a Registration Hold is present. All active holds on an account, the date the hold began, the department that issued the hold, and what processes are restricted are listed by clicking this link. Holds are removed within 3 hours of a payment in full being posted to a student’s account.

RETURNED PAYMENTS

Students are charged a $25 NSF fee and have 30 days from when the charge was reversed to make payment before a $75 late fee is posted to their student account.

PAYMENT PLANS

All students can enroll in a three payment plan each semester for an additional $35 enrollment fee. If students are up to date on payments, a late fee will not be charged. If a payment is missed or less than the total amount due at that time, a $75 late fee may be posted. Please review your student account on myRoss and then email studentaccounts@rossu.edu or call 732-509-3051 with any questions or concerns.

OTHER INSURANCE INFORMATION

You are highly encouraged to create an Aetna Navigator account to easily access your personal information, print and request ID cards, and review your claims. You can also enroll in voluntary term life insurance and dental discount programs for an additional cost. There are health programs such as vision discounts and gym discounts available.

For information on claims, coverage benefits, or to obtain a new insurance card please contact Aetna Student Health at 1-877-381-3551 FREE.

For information on emergency evacuation services and other travel benefits, please visit On Call International.